New VantageScore study reveals many consumers without credit scores are creditworthy and highly qualified for mortgages. In fact, millions of "unscoreables" have credit profiles nearly identical to consumers with mainstream credit. For more information, go to VantageScore.com/Exclusionary

In Pictures

Amazon.com has set the standard for e-commerce with fast delivery, invisible payments and many other perks that keep consumers coming back to its site. Increasingly, the e-tailer has been experimenting with ways to streamline the payment process outside of the trappings of its website.

As Starbucks prepares to transition its top executives into new roles, it helps to look back on its history in mobile payments and examine how its management structure helped this plan. Here are a few of the key decisions the company made.

Resources

SourceMedia Research surveyed executives to assess their plans for overall spending and delve into the opportunities and risks that bankers are seeking to address with their 2017 budgets. What emerges from the response set is an image of an industry that continues to allocate ever more resources to modernization. The survey does suggest, however, a deceleration in the rate of spending growth.

EMV payment hardware is no longer in high demand among merchants. But if EMV isn't selling, what is? This month's issue takes a look at the technologies ISOs are finding to be the most in demand. To get the magazine, please contact Customer Service at help@sourcemedia.com or 212-803-8500